Empire State Development

Guidance on Essential Businesses

**Updated April 28, 2020**


Essential Businesses or Entities, including any for-profit or non-profit, regardless of the nature of the service, the function they perform, or its corporate or entity structure, are not subject to the in-person restriction.  Essential Businesses must continue to comply with the guidance and directives for maintaining a clean and safe work environment issued by the Department of Health (DOH) and every business, even if essential, is strongly urged to maintain social distancing measures to the extent possible.

Paycheck Protection Program

**Updated April 27**


SBA Disaster Program Application Resumes:

The SBA will resume accepting Paycheck Protection Program applications from participating lenders on Monday, April 27, 2020 at 10:30am EDT.


Paycheck Protection Program (PPP) – What you Need to Know:

The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll.

SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities.

You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating in the program.

SBA Economic Injury
Disaster Loan (EIDL) Program

**Updated April 27**

Economic Injury Disaster Loans (EIDL) & Advances: The SBA is unable to accept new applications at this time for the EIDL -COVID-19 related assistance program, including EIDL Advances, based on available appropriations funding. Applicants who have already submitted their applications will continue to be processed on a first-come, first-served basis.

Previous EIDL & Advances Status: If you submitted an application, received correspondence from SBA, and have a loan number that begins with a “3”, you are in the queue and your patience is appreciated.  If you would like to further inquire about the process and understand what to expect next you should contact the Office of Disaster Assistance 24/7 Customer Service line at 800-659-2955. 


The EIDL Loan and EIDL Advance are a single application for both programs. If you applied on or after March 31st, you have applied for both programs.

If you have already submitted your application for the EIDL Loan and Advance and received a confirmation number, your application is in the SBA queue.

  • There is no mechanism to review the status of the applications (EIDL Loan and EIDL Advance). You will have to wait until the SBA contacts you.
  • The advance will be deposited into the account that you provided in the application without contact from the SBA.
  • When your loan application is assigned to a case manager for processing, you will receive an invitation to the EIDL loan process portal. The e-mail will come from disastercustomerservice@sba.gov.

If you have not submitted your EIDL Advance application, the SBA will not be accepting new applications under this program until new funds have been appropriated by Congress

SBA Debt Relief


As part of SBA’s debt relief efforts,

  • The SBA will automatically pay the principal, interest, and fees of current 7(a), 504, and microloans for a period of six months.
  • The SBA will also automatically pay the principal, interest, and fees of new 7(a), 504, and microloans issued prior to September 27, 2020.

SBA Express
Bridge Loans


Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loans or used to bridge the gap while applying for a direct SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on an Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan.


  • Up to $25,000
  • Fast turnaround
  • Will be repaid in full or in part by proceeds from the EIDL loan

U.S. Senate Committee on
Small Business & Entrepreneurship

Small Business Owner’s
Guide to the CARES Act

The programs and initiatives in the Coronavirus Aid, Relief, and Economic Security (CARES) Act that was just passed by Congress are intended to assist business owners with whatever needs they have right now. When implemented, there will be many new resources available for small businesses, as well as certain non-profits and other employers. This guide provides information about the major programs and initiatives that will soon be available from the Small Business Administration (SBA) to address these needs, as well as some additional tax provisions that are outside the scope of SBA.

U.S. Economic
Development Administration

Recovery Assistance

EDA CARES Act Recovery Assistance, which is being administered under the authority of the bureau’s flexible Economic Adjustment Assistance (EAA) (PDF) program, provides a wide-range of financial assistance to communities and regions as they respond to and recover from the impacts of the pandemic.

Community Capital NY

Emergency Express Loan

For Small Businesses in Westchester and the Hudson Valley impacted by COVID-19. If your small business needs immediate working capital, Community Capital NY’s Emergency Express Loan can help you bridge the gap up to $10,000.

NYS Department 
of Labor

Unemployment Insurance Benefits

On March 27, 2020, the President of the United States signed a law that provides additional Unemployment Insurance (“UI”) assistance to workers impacted by COVID-19. This new law provides:

• Pandemic Unemployment Assistance – Extended eligibility for individuals who have traditionally
been ineligible for UI benefits (e.g., self-employed workers, independent contractors);

• Pandemic Unemployment Compensation – An additional $600 per week, on top of regular benefits, to all UI
recipients; and,

• Pandemic Emergency Unemployment Compensation – An additional 13 weeks of UI benefits,
beyond the regular 26 weeks already provided, for a total of 39 weeks of coverage.

Putnam SCORE

SCORE, the nation’s largest network of volunteer, expert business mentors, is dedicated to helping small businesses get off the ground, grow and achieve their goals. More than ever, challenging times call for trusted business guidance and resources. SCORE offers practical advice and insightful tips based on years of experience.

Click here to visit the national SCORE Coronavirus Small Business Resource Hub 


The local Putnam chapter of SCORE provides a wide range of services to established and budding business owners alike, including:


Webinars and Courses on Demand

Library of Online Resources

Local Events

See below for links to local Putnam-based SCORE services. 


New York State

Regional Monitoring Dashboard

These metrics have been established based on guidance from the Center for Disease Control and Prevention, the World Health Organization, the U.S. Department of State, and other public health experts. 

New York Forward Loan Fund

New York Forward Loan Fund (NYFLF) is a new economic recovery loan program aimed at supporting New York State small businesses, nonprofits and small landlords as they reopen after the COVID-19 outbreak and NYS on PAUSE.

NYFLF targets the state’s small businesses with 20 or fewer full-time equivalent (FTE) employees (90% of all businesses), nonprofits and small landlords that have seen a loss of rental income.